steve, look at this chart here. you can compare student loan debt with all other debt and you can see, look at that top line, that's student loan debt. everything else we're either cutting back on or can't get any more of. we are piling on to the student loan debt. it seems as though you just can't win, steve. >> the colleges are working to create a more compelling academic experience, academic and social experience. they're constantly building. if you've been to your alma mater they're constantly building. they don't have the money to do so, so they're passing those expenses on to the children. and the children who are most in need, cannot afford it. >> el zi, talk about community colleges, talk about maybe getting preparation at community colleges for some things you're weaker in before you go to a state school or private school. people have to be strategic about getting that degree and remind me, we love the degree, the degree will mean a 4% unemployment rate as opposed to a 9 % unemployment rate. >> absolutely.